FARMERS AND MERCHANTS BANK

LAOTTO, IN | Small | Est. Oct. 29, 1914, midnight | FDIC #13801 | RSSD #372640 | FDIC
Latest Report: 2025-12-31

FARMERS AND MERCHANTS BANK is asn small FDIC-insured commercial bank headquartered in LAOTTO, IN, established in Oct. 29, 1914, midnight. As of 2025-12-31, the bank reported total assets of $305M and total deposits of $280M. Profitability stands at 1.38% ROA and 18.39% ROE, with a net interest margin of 3.32%. The bank's CET1 capital ratio is 11.30%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #13801.

Assets

$305M

Deposits

$280M

Loans

$187M

Equity

$23M

Profitability

Return on Assets (ROA) 1.38%
Return on Equity (ROE) 18.39%
Net Interest Margin (NIM) 3.32%
Yield on Assets 5.19%
Cost of Funds 1.87%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.02%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.68%

Capital & Liquidity

CET1 Ratio 11.30%
Tier 1 Capital 11.30%
Total Capital Ratio 11.89%
Leverage Ratio 8.66%
Loan-to-Deposit 66.87%

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